Ooltewah, TN · Cert 35138 · Millennium Bancshares Inc.
State charter, non-member · FDIC · 13 branches
Q2 2026
Market Position · Chattanooga, TN-GA · 2026 SOD (annual) · 1.4% share · #14 of 30 inst. · $0.2B of $15.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.23% | 1.12% | 0.58% | 0.64% | 0.72% | 0.51% | -0.64% | -122 bps | |
| Return on Equity | 11.50% | 11.73% | 10.37% | 5.51% | 5.98% | 7.07% | 5.50% | -7.07% | -1,259 bps | |
| Net Interest Margin | 3.98% | 4.11% | 4.20% | 4.18% | 4.13% | 3.15% | 4.24% | 4.39% | +21 bps | |
| Efficiency Ratio | 61.83% | 61.35% | 65.14% | 80.13% | 78.63% | 78.05% | 81.33% | 81.37% | +124 bps | |
| Non-Interest Burden | 2.36% | 2.42% | 2.66% | 3.30% | 3.19% | 2.40% | 3.36% | 3.49% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.91% | -4.30% | 2.16% | -0.35% | -1.86% | 54.53% | 49.54% | 48.40% | +4,875 bps | |
| Loan Growth (YoY) | 4.23% | -0.98% | -1.89% | -5.12% | -2.27% | 42.40% | 45.76% | 47.91% | +5,302 bps | |
| Deposit Growth (YoY) | 4.85% | -1.67% | 4.11% | -0.95% | -2.18% | 57.22% | 51.22% | 51.38% | +5,233 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.31% | 0.30% | 3.70% | 3.49% | 1.97% | 1.89% | 0.68% | -302 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.17% | -0.09% | 0.09% | 0.02% | 0.01% | 0.00% | 1.86% | +177 bps | |
| Allowance / Loans | 1.11% | 1.13% | 1.19% | 1.20% | 1.19% | 1.23% | 1.26% | 1.23% | +3 bps | |
| Allowance Coverage of NPLs | 4.8x | 3.7x | 4.0x | 0.3x | 0.3x | 0.6x | 0.7x | 1.8x | +1.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 11.05% | 10.52% | 10.21% | 10.26% | 8.13% | 8.33% | 7.70% | -252 bps | |
| Total Risk-Based Capital | 10.50% | 11.05% | 10.52% | 10.21% | 10.26% | 11.45% | 11.25% | 10.46% | +24 bps | |
| Equity / Assets | 10.75% | 11.12% | 10.57% | 10.13% | 10.64% | 9.23% | 9.21% | 8.58% | -155 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.63% | 94.24% | 90.79% | 87.70% | 91.54% | 85.36% | 87.51% | 85.69% | -201 bps | |
| Liquid Assets / Assets | 11.47% | 9.50% | 12.40% | 14.26% | 9.19% | 9.79% | 8.03% | 9.24% | -502 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 498% | 565% | 575% | n/a | n/a | |